Elk County, PA Average Home Price (2026)
The average home price in Elk County, Pennsylvania is about $129,000 (the 2026 median across 11 ZIP codes, at ~$80/sq ft) — 46% more affordable than the Pennsylvania median and 55% more affordable than the typical U.S. home.
How Elk County compares
Elk County is relatively affordable for housing nationally: its typical home costs $129,000 against $238,000 for Pennsylvania and $289,000 for the U.S. Within the county, ZIP-level values run from about $79,000 to $161,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Elk County | $129,000 | $80 |
| Pennsylvania | $238,000 | $165 |
| United States | $289,000 | $193 |
Elk County home prices by ZIP code
The 11 most valuable ZIP codes in Elk County (of 11 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 15846 Kersey | $161,000 | $67 | +25% |
| 15868 Weedville | $157,000 | $189 | +22% |
| 15857 Saint Marys | $155,000 | $109 | +20% |
| 15823 Brockport | $153,000 | $104 | +19% |
| 15821 Benezette | $135,000 | $255 | +5% |
| 15870 Wilcox | $129,000 | $80 | +0% |
| 15853 Ridgway | $116,000 | $174 | -10% |
| 15841 Force | $110,000 | $58 | -15% |
| 16734 James City | $101,000 | $53 | -22% |
| 15827 Byrnedale | $85,000 | $45 | -34% |
| 15845 Johnsonburg | $79,000 | $46 | -39% |
Home value appreciation in Elk County
Home prices in Elk County have risen about 68% over the last 10 years (≈5.3% a year) and +78.3% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +5.2% — still rising. A home worth $129,000 today was worth roughly $76,923 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Pennsylvania is +76.8% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Elk County
Run the numbers for Elk County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Elk County
To buy the typical $129,000 home in Elk County with 20% down, you need a household income of roughly $35,000 a year (about $820 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $42,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $6,500 | $1,020/mo | $44,000/yr |
| 10% (+PMI) | $12,900 | $970/mo | $42,000/yr |
| 20% | $25,800 | $820/mo | $35,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Elk County
At about $80 per square foot, here is roughly how much home different budgets get you in Elk County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1880 sq ft | around the typical home here |
| $200k | 2500 sq ft | above the median — larger homes or the pricier ZIPs |
| $250k | 3130 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 3750 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Pennsylvania.
Estimate a specific home in Elk County
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Elk County home prices: frequently asked
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Browse all Pennsylvania cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.